What to do if your apartment application is rejected

Written by dan the roommate man


If your rental application was rejected due to a black mark on your credit report, don't just ignorerepparttar situation out of embarrassment... get a copy ofrepparttar 110579 report and see what you can do to tacklerepparttar 110580 problem. You may find your credit report has errors or marks you didn't even know about.

Three companies distribute your credit information:

Experian: 1-888-397-3742 Equifax: 1-800-685-1111 TransUnion: 1-800-916-8800 You can call any of their toll free numbers to find out how to get a copy of your credit report. If you request a copy within 60 days ofrepparttar 110581 rejected application, you can obtainrepparttar 110582 report with no charge. If you wait any longerrepparttar 110583 charge is usually about eight dollars per report.

Don't assume that you know why your application was rejected without examining your report. Recently, my friend Dave Smith Jr.* applied for a loan and was rejected. He knew his records weren'trepparttar 110584 best inrepparttar 110585 world but decided to get a copy ofrepparttar 110586 report anyway--just out of curiosity. He was shocked to see several black marks that were put on his report instead of his father's. The credit bureau had confused his credit history (Dave Smith Jr.) with his father's credit history (Dave Smith Sr.) and noted a bankruptcy on his report! This wasn't all... Apparently, a dispute he thought he'd handled with a car company wasn't reflected on his report andrepparttar 110587 bad marks were still there.

So how do you get errors taken off of your credit report? You'll simply fill outrepparttar 110588 "dispute form" included withrepparttar 110589 report or write a letter torepparttar 110590 bureau aboutrepparttar 110591 problem. Unlessrepparttar 110592 credit bureau dismisses your request as "frivolous", they are required by law to contactrepparttar 110593 companies in dispute within thirty days. If they find they have made an error, they will removerepparttar 110594 bad information. However, ifrepparttar 110595 company confirms thatrepparttar 110596 information on your report is correct, it will remain there for 7 to 10 years.

Guide to Easy, Affordable Baby Shower Decorations

Written by Jessika Ryder


Great baby shower decorations are more about using your imagination than your pocketbook! You can create a wonderful party mood with simple, high-impact arrangements. This article details some ofrepparttar best ideas for baby shower decorations.

Use balloons artfully

Balloons make it feel like a party! Always have balloons at your events. Here's a money-saver tip -- your local 99˘ store will usually have balloons at a much lower price than most party stores.

A basic use of balloons is to create color spots aroundrepparttar 110578 room or area where you're holdingrepparttar 110579 baby shower. Tie a bunch of helium balloons to an anchor. Use baby items like booties, soft toys or baby bottles filled with water as anchors. Always use an odd number of balloons in a bunch.

If you have multiple tables, get a few baby items like shampoo, lotions, bottles, diaper packs, wipes, refill packs, baby formula packs, soft toys, etc and place them inrepparttar 110580 center of each table. Tie a bunch of balloons to them. Each table now has a color spot.

If you have large gifts like strollers or cribs, tie balloons to them to create a special look. Choose balloon colors according torepparttar 110581 sex ofrepparttar 110582 baby. If that’s not known, use both pink and blue balloons.

Use balloons to decorate mommy's chair. Tie balloons in bunches to her “throne” and treat her like royalty! Also add streamers, satin bows and ribbons to her chair to give it a special look.

If you're using a specific table for gifts, make sure it has several balloon bunches floating over it. That helps to create a focal point forrepparttar 110583 gifts.

How to use tubs and umbrellas for baby showers decorations

Use baby tubs as a punch bowl. Get one of those tubs that look like a whale. Fill it with clear punch and put in a small rubber ducky. The tub makes a wonderful present for mom-to-be afterrepparttar 110584 shower.

Here's another way to userepparttar 110585 tub -- fill it with individually wrapped presents. That can include diapers, shampoos, lotions, washcloths, etc. For an added effect, put some balloons intorepparttar 110586 tub too -- they will look like floating bubbles! And fix a rubber ducky atop one ofrepparttar 110587 balloons using ribbons.

You know what's a perfect fit for any baby shower? Umbrellas. After all, it's a shower, right? Here's how you can use them.

Collect several different umbrellas from your home. Open them up, fix streamers in various colors (not just pink and blue, though those are fine too) torepparttar 110588 umbrellas. Next, fixrepparttar 110589 umbrellas so that they hang upside down fromrepparttar 110590 ceiling, andrepparttar 110591 colored streamers flutter above your heads. This makes a great sight!

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